zulu.2636.finance (advice cover)
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Izindlela zokumelana nesikweletu
Ungenza kanjani ukuze usebenzise i-credit card yakho ngendlela efanele...
AMAKHASIMENDE anolwazi abewakhiyela ama-credit card awo njengoba ama-interest rates abekhula ngonyaka odlule. Uma uzimisele ngokuthengela isikhathi samaholidi nokuvulwa kwezikole ngoJanuary, khumbula lokhu...
1. AZI ISIKALO SAKHO
Uma uthola i-credit card bakutshela ukuthi ibhange likunike isikweletu esingakanani. Lesi yisona samba semali oyikweletayo hhayi eyisikalelo sokukodwa okuthengayo.
Uma uzama ukuthenga ngaphezu kwesikalelo sakho, mhlawumbe lokho kuzonqatshwa. Ngisho ngabe kungenjalo, kuzodingeka ukuba ukhokhe inhlawulo.
Qaphela indlela othenga ngayo nokhokha ngayo uhlale uphephile ngokwesikalelo sakho. Uma ungenasiqiniseko, buza ebhange lakho.
2. SEBENZISA ISIKHATHI NGOKUYIKHO
Kufanele ukhokhe imali eyi-minimum balance ye-credt card yakho zinyanga zonke. Kodwa ungathola cishe isikhathi sezinyanga ezimbili ngaphandle kokufakwa kwemali (free credit) ukuze kugwemeke inkinga yokuhamba kukakheshi.
Ama-interest rates e-credit card ngokuvamile aphezulu kunama-rates ama-loans asebhange, ngakhoke kufanele wazi ukuthi izinsuku ezinhlanu zikashwele ziqala futhi
ziphele nini. Lokhu ungakuthola esitatimendeni sakho, ubuze nasebhange.
Ukusebenzisa elinye ikhadi ukuze ukhokhele elinye, kufana nokudlala ngomlilo ngokwemali. Lokhu kugweme ngokubhajetha ukuze ukwazi ukulawula isikweletu.
3. LIVIKELE
Gcina ikhadi lakho livikelekile ezigebengwini nasemaqoleni ngalawa maholidi.
Libheke ukuthi lisayinwe ngo-inki yini ngemumva.
Uma unekhadi elisha, musa ukulibeka nepheshana elinePIN ndawonye, lisayine ngokushesha uqobe elidala ulenze izingcucu.
Uma kukhona ubugebengu obufana nalobu, noma ukulahlekelwa noma ukuntshontshwa kwekhadi lakho, hlale unenombolo yabebhange lakho yamahhala.[z]
Indaba: Patricia McCracken (Olunye ulwazi: Visa, MasterCard nabeVirgin Money)
SIYAKUSIZA UKUZE UZISIZE, ihlelwe nguPatricia McCracken
